人寿大发888dafa解释
所有的人寿大发888dafa单都有两个共同点
整体、可变通用、术语等等. 生活 insurance can be confusing and keeping the different types straight can be tough. 在一般情况下, life insurance guarantees a death benefit to a designated beneficiary after a policyholder dies. 像大多数政策一样, life insurance requires a recurring payment known as a "premium" to keep the policy active. 准备好了解更多关于人寿大发888dafa的知识了吗? 让我们开始吧.
并不是所有的人寿大发888dafa都是永久的
Permanent life insurance is the most common form of life insurance and is designed to keep you covered for your entire life. For some, this may become an important element in your retirement planning.
终身寿险会积累现金价值
这是怎么发生的?? An insurer directs some of your premium payments into a reserve account and puts those dollars into investments. The return on the investments influences the growth of the cash value, 根据大发888dafa公司设定的公式，哪些会累积.
A whole life policy's cash value grows with taxes deferred. After a while, you gain the ability to borrow against that cash value. You can even cancel the policy and receive a surrender value. 终身寿险保费, 虽然, 通常高于定期寿险的保费, 随着时间的推移，它们可能会上升. 也, beneficiaries only receive a death benefit (not the policy's cash value) when a whole life policyholder dies.1
Universal life insurance is whole life insurance with a key difference
Universal life policies also build cash value with taxes deferred, but there is the chance to eventually pay the monthly premiums out of the policy's investment portion.
月复一月, some of your premium on a universal life policy gets credited to the cash reserve of the policy. 迟早的事, you may elect to pay premiums out of the cash reserve – so, 这项政策基本上开始“为自己买单”." If all goes well, a universal life policy may have a lower net cost than a whole life policy. If the investments chosen by the insurer severely underperform, that can mean a dilemma: the cash reserve of your policy may dwindle and be insufficient to keep paying the premiums. 这可能意味着取消保单.2
What about variable and variable universal life policies?
Variable life policies are basically whole life or universal life policies with a riskier investment component. 在VL和VUL策略中, you may direct percentages of the cash reserve into investment sub-accounts managed by the insurer. Assets allocated to the sub-accounts may be put into equity investments of your choice as well as fixed-income investments. 如果你选择股权投资, you (and the insurer) assume greater risk in exchange for the possibility of greater reward. 子账户的性能无法保证. 作为风险暴露的后果, a VUL policy usually has a higher annual cost than a comparable UL policy.3
Term life insurance is life insurance that you "rent" rather than own
It provides coverage for a set period (usually 10-30 years). Should you die within that period, your beneficiary will get a death benefit. 通常, the premium payments and death benefit on a term policy are fixed from the start, and the premiums are much lower than those of permanent life policies. 大发888dafa期限届满时, you may be offered the option to renew the coverage for another term or to convert the policy to a form of permanent life insurance.4
Term life is cheap, but the tradeoff comes when the term is up
就像你不能通过租房来建立房屋净值一样, 你不能通过“租用”人寿大发888dafa来创造现金价值. When the term of coverage is over, you usually walk away with nothing for the premiums you've paid.
哪种大发888dafa适合你?
Many factors may come into play when deciding which type of life insurance will suit your needs. The best thing to do is to speak with a qualified insurance professional who can help you examine these factors, so you can determine which type of coverage may be appropriate.
1. Investopedia.2022年3月3日
2. Investopedia.2022年5月23日
3. Investopedia.com, 2021年8月31日
4. Investopedia.2022年3月2日
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